Bismarck, ND Metro Area Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 6,908 mortgage applications in Bismarck, ND metro area totaling $1.0 billion, down 15% from 2010. The average application was for $149,531, and applicants reported an average income of $78,000. 63% of applications resulted in an originated loan and 7% were denied. The most active lender was Wells Fargo Bank NA, with 1,071 applications, followed by Gate City Bank and Dakota Community Bank & Trust, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,908 |
| Total Mortgage Loan Application Amount | $1,032,961,000 |
| Average Mortgage Loan Application Amount | $149,531 |
| Highest Mortgage Loan Application Amount | $5,813,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $3,960,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 1,071 | $ 163,324,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 863 | $ 116,044,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 467,142,000 | 666 | $ 94,152,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 775,230,000 | 479 | $ 73,805,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 378 | $ 63,448,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 267,002,000 | 341 | $ 52,746,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 326 | $ 54,386,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 572,647,000 | 226 | $ 33,931,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 209 | $ 35,136,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 129,765,000 | 195 | $ 30,124,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 191 | $ 35,630,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 190 | $ 31,502,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 268,072,000 | 189 | $ 20,475,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 173 | $ 18,065,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 158,509,000 | 155 | $ 23,909,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 336,791,000 | 152 | $ 16,536,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 121 | $ 21,916,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 115 | $ 19,788,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 71 | $ 9,613,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 60 | $ 9,593,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 58 | $ 8,713,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 54,629,000 | 48 | $ 3,961,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 161,077,000 | 35 | $ 4,117,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 35 | $ 5,253,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 98,198,000 | 33 | $ 2,991,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 30 | $ 4,673,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 27 | $ 4,516,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 24 | $ 3,405,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 22 | $ 3,120,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,556,748,000 | 16 | $ 2,414,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 16 | $ 4,065,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 978,893,000 | 16 | $ 2,405,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 14 | $ 2,213,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 14 | $ 2,260,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 12 | $ 2,108,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 11 | $ 1,761,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 11 | $ 772,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 10 | $ 1,455,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 702,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 8 | $ 99,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 8 | $ 336,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,778,147,000 | 8 | $ 1,702,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 227,667,000 | 8 | $ 900,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 8 | $ 1,120,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,071,664,000 | 7 | $ 904,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 7 | $ 417,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 7 | $ 1,234,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 7 | $ 1,341,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 7 | $ 1,174,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 7 | $ 1,279,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 1,709,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 6 | $ 1,098,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 6 | $ 832,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 6 | $ 939,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 6 | $ 981,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,801,691,000 | 6 | $ 772,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 6 | $ 426,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 485,068,000 | 5 | $ 1,263,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,303,401,000 | 5 | $ 404,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 5 | $ 1,032,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 5 | $ 833,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 5 | $ 1,074,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 959,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 4 | $ 620,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 848,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 4 | $ 719,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,181,819,000 | 4 | $ 1,053,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 247,890,000 | 4 | $ 799,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 3 | $ 588,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 2 | $ 258,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 497,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 38,055,567,000 | 2 | $ 185,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 2 | $ 346,000 |
| Bank of Whittier, NA 15141 E WHITTIER BLVD WHITTIER, CA 90603 |
* | $ 52,687,000 | 2 | $ 318,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 262,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 2 | $ 404,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 2 | $ 142,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 424,689,000 | 2 | $ 387,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 526,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 2 | $ 116,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 393,705,000 | 2 | $ 449,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 156,338,000 | 2 | $ 432,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 419,995,000 | 2 | $ 327,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 579,650,000 | 2 | $ 258,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,444,690,000 | 2 | $ 351,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 166,840,000 | 1 | $ 130,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 152,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 278,418,000 | 1 | $ 110,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 160,733,000 | 1 | $ 152,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 733,124,000 | 1 | $ 255,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 303,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 1 | $ 220,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 139,356,000 | 1 | $ 214,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,009,048,000 | 1 | $ 195,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,311,651,000 | 1 | $ 197,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 180,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 112,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 1 | $ 116,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 1 | $ 65,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 147,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 1 | $ 159,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 1 | $ 122,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,223,973,000 | 1 | $ 109,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 70,506,963,000 | 1 | $ 113,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 156,000 |
| Bremer Bank NA (St Cloud) 1100 ST GERMAIN ST CLOUD, MN 56301 |
* | $ 571,983,000 | 1 | $ 170,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 1 | $ 199,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 144,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 53,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 190,000 |
The tables below break down 2011 mortgage applications in Bismarck, ND metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bismarck, ND in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 3,456 | $523,922,000 | $151,000 | $5,813,000 | $82,000 | $3,960,000 |
| Home Purchase | 3,040 | $485,569,000 | $159,000 | $2,700,000 | $72,000 | $1,071,000 |
| Home Improvement | 412 | $23,470,000 | $56,000 | $320,000 | $86,000 | $1,430,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,771 | $840,255,000 | $145,000 | $870,000 | $85,000 | $3,960,000 |
| Not applicable | 714 | $133,110,000 | $186,000 | $5,813,000 | $6,000 | $373,000 |
| Not Provided | 321 | $45,311,000 | $141,000 | $417,000 | $100,000 | $1,147,000 |
| Hispanic | 38 | $5,131,000 | $135,000 | $300,000 | $89,000 | $346,000 |
| American Indian or Alaskan Native | 33 | $4,476,000 | $135,000 | $282,000 | $76,000 | $315,000 |
| Asian | 18 | $3,247,000 | $180,000 | $417,000 | $190,000 | $398,000 |
| Black or African American | 8 | $662,000 | $82,000 | $153,000 | $78,000 | $373,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $769,000 | $153,000 | $220,000 | $152,000 | $442,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,163 | $746,241,000 | $144,000 | $5,813,000 | $87,000 | $3,960,000 |
| FHA-insured (Federal Housing Administration) | 1,220 | $190,190,000 | $155,000 | $274,000 | $55,000 | $876,000 |
| VA-guaranteed (Veterans Administration) | 417 | $79,629,000 | $190,000 | $422,000 | $47,000 | $287,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 108 | $16,901,000 | $156,000 | $311,000 | $43,000 | $99,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,348 | $629,486,000 | $144,000 | $5,813,000 | $86,000 | $1,430,000 |
| Loan Purchased By The Institution | 1,286 | $230,036,000 | $178,000 | $422,000 | $51,000 | $952,000 |
| Application Denied By Financial Institution | 507 | $66,087,000 | $130,000 | $805,000 | $71,000 | $1,147,000 |
| Application Withdrawn By Applicant | 446 | $63,879,000 | $143,000 | $417,000 | $81,000 | $925,000 |
| Application Approved But Not Accepted | 220 | $29,264,000 | $133,000 | $713,000 | $79,000 | $574,000 |
| File Closed For Incompleteness | 101 | $14,209,000 | $140,000 | $396,000 | $117,000 | $3,960,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 122 | $16,827,000 | $137,000 | $805,000 | $55,000 | $500,000 |
| Credit History | 104 | $10,080,000 | $96,000 | $350,000 | $61,000 | $373,000 |
| Collateral | 82 | $13,541,000 | $165,000 | $480,000 | $115,000 | $1,147,000 |
| Other | 51 | $5,815,000 | $114,000 | $650,000 | $78,000 | $280,000 |
| Credit Application Incomplete | 17 | $3,162,000 | $186,000 | $386,000 | $107,000 | $552,000 |
| Employment History | 17 | $1,812,000 | $106,000 | $218,000 | $39,000 | $96,000 |
| Unverifiable Information | 12 | $1,437,000 | $119,000 | $230,000 | $52,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,234,000 | $205,000 | $490,000 | $129,000 | $225,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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